NFC Times Exclusive Insight –Apple is getting some pushback from banks as it seeks to expand its payments service, Apple Pay, outside of the U.S., where its U.S. business model along with other characteristics of the U.S. market will not translate well, NFC Times has learned.

The fact that Apple’s iOS 8.3 upgrade went out last week to China without the Apple Pay functionality that many had expected perhaps was not surprising, since Apple faces not only business but likely political issues as a Western company rolling out a payments platform in China.

But other target countries for Apple Pay’s expansion this year, such as Australia, Canada and the UK, are also believed to be hitting snags, though six major banks are reportedly in advanced talks with Apple to launch in November, with at least as high a transaction cut as U.S. banks and credit unions are paying, according to the Wall Street Journal.